Analisis Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, Dan Dana Pihak Ketiga Terhadap Tingkat Profitabilitas Bank Umum Syariah Periode 2011-2013

This study aimed to analyze the effect of capital adequacy ratio (CAR), Financing to Deposit Ratio (FDR), Third Party Fund (DPK), and the level of revenue sharing on profitability (ROA) of Islamic commercial bank that operates in Indonesia from 2011-2013. As well as to analyze the effect of Non Performing Financing (NPF) to profitability (ROA) of Islamic banks operating in Indonesia from 2011-2013. The population in this study is an Islamic commercial bank registered in Bank Indonesia within 2011-2013 research. Tests carried out using multiple linear regression. The test results showed that the Capital Adequacy Ratio (CAR) significant positive effect on ROA. FDR (Financing Debt Ratio), Third Party Fund (DPK), and the level of revenue sharing is effect on ROA. As well as nonperforming financing (NPF) no effect on ROA

Pengaruh Mekanisme Good Corporate Governance Terhadap Profitabilitas Perusahaan (Studi Pada Perusahaan Makanan Dan Minuman Tahun 2011-2014)

This research focus on the influence of Good Corporate Governance (GCG) mechanism towards the profitability of food and beverage industries in Indonesia. The type of this research is explanatory research with quantitative approach. Independent Board of Commissioners, Board of Directors, and institutional ownership are chosen as GCG mechanism in this research. Rate of return on equity (ROE) are used as profitability ratio. This study uses secondary data of food and beverage companies in 2011-2014 which are downloaded from the official website of Indonesia Stock Exchange (BEI).Those secondary data analyzed by using multiple linear regression analysis. The results of this study indicate that the Board of Independent Commissioners, Directors, and institutional ownership simultaneously has significant effect on ROE. Partially, the Board of Directors have a significant effect on ROE. On the other hand, the regression coefficient indicates that the independent board and institutional ownership has a positive but not significant to ROE

Sosialisasi Pentingnya Kepemilikan Sertifikat Tanah sebagai Bukti Penguasaan Hak Milik Atas Tanah Berdasar Pp No. 24 Tahun 1997 Tentang Pendaftaran Tanah di Desa Jetis Kecamatan Bandungan Kabupaten Semarang

. Kepemilikan sertifikat sebagai bukti penguasaan hak atas tanah telah menjadi hal yang sangat penting untuk terus dilakukan sosialisasi atau pun upaya penyadaran terhadap masyarakat. Kepemilikan sertifikat tersebut tidak sekedar terpeuhinya syarat administrative, dan bukti formil saja. Namun lebih dari itu, yaitu sebagai jaminan kepastian hokum. Yang dimaksudkan dengan sertifikat adalah sebagai suatu surat tanda bukti hak yang berlaku sebagai alat pembuktian yang kuat mengenai data fisik dan data yuridis yang termuat di dalamnya, sepanjang data fisik dan data yuridis tersebut sesuai dengan data yang ada dalam surat ukur dan buku tanah yang bersangkutan. Dari pengertian sertifikat tersebut, maka secara terseirat kekuatan pembuktian suatu sertifikat adalah merupakan â€alat pembuktian yang kuatâ€, yang mempunyai arti bahwa selama tidak dapat dibuktikan sebaliknya, data fisik dan data yuridis yang tercantum di dalamnya harus diterima sebagai data yang benar, baik dalam melakukan perbuatan hukum sehari-hari maupun dalam berperkara di Pengadilan. Untuk memperoleh suatu sertifikat sebagai bukti penguasaan hak atas tanah ini, harus didahukui dengan kegiatan pendaftaran tanah, baik pendaftaran tanah yang pertama kali maupun pendaftaran tanah setelah terjadi peralihan hak atas tanah

PPMTKP pada Guru TK di TK Melati Kecamatan Buduran dan TK Tunas Bangsa Kecamatan Candi Kabupaten Sidoarjo Provinsi Jawa Timur

Pendidikan pada anak dimulai sejak usia dini, pendidikan akan terlaksana dengan apabila anak dalam kondisi sehat secara fisik dan psikologis, salah satu indikator anak sehat adalah pertumbuhan dan perkembangannya optimal. Peran mitra (guru TK) sangat penting dalam tumbuh kembang anak karena mitra dalam tugasnya memberikan stimulasi dalam bentuk kegiatan proses belajar mengajar. Mitra (guru TK Melati dan TK Tunas Bangsa) sangat sangat aktif dalam kegiatan disekolah dalam mendidik siswa, baik dalam segi pendidikan formal maupun non formal (pembentukan karakter). Berdasarkan survei yang telah dilakukan oleh tim pengusul pada mitra 1 didapatkan hasil bahwa terdapat siswa yang mengalami masalah pertumbuhan dan perkembangan, pada mitra 2 ditemukan masalah yakni mitra belum pernah mendapatkan pengetahuan tentang deteksi dini masalah tumbuh kembang pada anak. Padahal terdapat beberapa cara untuk menstimulasi siswa tersebut agar dapat tumbuh dan berkembang secara optimal sesuai dengan tahapan usianya. Berdasarkan permasalahan tersebut tim pengusul menawarkan solusi untuk membantu mengatasi kurangnya pengetahuan dan keterampilan mitra dalam pemeriksaan dan cara deteksi dini masalah tumbuh kembang pada anak. Salah satu upaya yang ditawarkan oleh tim pengusul adalah memberikan informasi melalui sebuah seminar dan pelatihan/workshop beserta pendampingan pemeriksaan dan cara deteksi dini masalah tumbuh kembang pada anak. Pelaksanaan seminar dan pelatihan (workshop) tentang cara pemeriksaan dan deteksi dini adanya kelainan dan tumbuh kembang di TK Melati Buduran Sidoarjo dilaksanakan pada tanggal 18-19 Januari 2018 yang diikuti oleh kepala sekolah dan 8 guru yang terdiri dari guru PAUD dan guru TK A dan B dan pelaksanaan seminar dan pelatihan (workshop) tentang cara pemeriksaan dan deteksi dini adanya kelainan dan tumbuh kembang di TK Tunas Bangsa Durung Bedug Sidoarjo dilaksanakan pada tanggal 18-19 Februari 2018 yang diikuti oleh kepala sekolah dan 4 guru yang terdiri dari guru PAUD dan guru TK A dan B. Hasil seminar dan workshop didapatkan mitra dapat melaksanakan cara menilai deteksi dini dan kelainan tumbuh kembang pada Balita secara mandiri, dan mitra dapat mengaplikasikan hal tersebut pada anak didik seterusnya selama proses belajar berlangsung

Penerapan Model Problem Based Instruction Terhadap Kemampuan Berpikir Kritis Dan Hasil Belajar Siswa Dalam Pembelajaran Fisika Di SMA

Problem Based Instruction is one of learning models the predicted able toimprove critical thinking skills of students. Critical thinking skills is thinkingskills in reasoned and reflective by pressing the making decisions about whatshould be trusted and do. The goals of this research were to describes thecritical thinking skills of students in the learning physics during ProblemBased Instruction Model, to examine the differences of physic achievementbetween using Problem Based Instruction Model and Direct InstructionModel and to describe respons of student about learning physics duringProblem Based Instruction Model. The kind of this study was trueexperiment by using randomized subject post-test only control group design.The sample of this research was the students of class X at Panji 1 SeniorHigh School. The data were collected by observation, documentation,student worksheet, test, and interview. The analysis result that the student'sability of critical thinking skills of students in the learning physics duringProblem Besed Instruction Model include in very good category is equal to86,9%, the student's achievement by use Problem Besed Instruction Model isbetter than Direct Instruction Model, and the respon of student in thelearning physics during Problem Besed Instruction Model is equal 96,25%positif respons

Pengaruh Capital Adequacy Ratio (Car), Non Performing Loan (Npl) Dan Loan to Deposit Ratio (Ldr) Terhadap Return on Asset (Roa) (Studi Kasus Pada Bank Umum Swasta Nasional Devisa Go Public Di Bursa Efek Indonesia Periode 2009-2010)

Bank as a company have their health assessed to determine the condition of the bank. Least healthy financial performance of banks can be seen through the performance of the bank\u27s profitability. The ratio is important for bank profitability is return on assets (ROA). Data from the period 2009-2010 the average ROA bank has shown a good value with a standard sound bank is above 1.5%. However, the ROA between the bank and the private limited company visible difference, namely the value of the bank\u27s ROA persero higher than private banks. ROA is the high and low values ​​are caused by several factors such as differences in the ratio of the associated CAR, NPL, and the LDR. The purpose of this study to analyze the effect of Capital Adequacy Ratio (CAR), non-performing loans (NPL), and the Loan to Deposit Ratio (LDR) to the Return On Asset (ROA) of the National Private Banks Foreign exchange go public in Indonesia Stock Exchange in the period research from 2009 to 2010. The analytical method used is a simple regression test to test partially the significance test using t test and regression test to simultaneously test for the significance test using the F test, which previously made ​​the assumption of classical test analysis techniques first. Object of this study is a national private commercial bank foreign exchange 2009-2010. Number of samples used were 24 banks in the sample. With certain criteria that companies belonging to banking in commercial banks to go public and has published its financial statements in the year 2009-2010. Results and discussion indicate that the NPL variables significantly influence the ROA, while the CAR and the LDR variable is not significant to the ROA. While based on the results of simultaneous hypothesis tests (F test) showed that the CAR, NPL, and the LDR has a significant effect on ROA with a significance level of 0.000. Adjusted R2 values ​​obtained in the regression model of 0.835. This suggests that the major influence of the independent variable is CAR, NPL, and the LDR of the dependent variable (ROA) of 83.5% while the remaining 16.5% influenced by other factors. In addition the value of R2 is the R2 value of 0.835 indicates if it is getting closer to a variable - the independent variable (CAR, NPL, and LDR) the stronger influence in explaining the dependent variable (ROA). Overall conclusions of the independent variables studied, the ratio of the greatest influence on the dependent variable is the ratio of NPLs at 82.6% and showed a significant effect of t -14.597 0.000 with significance. It means that the greater the ratio of Non Performing Loan (NPL) cause Return On Asset (ROA) is getting smaller at a bank. Proposed research should better supervise banking companies and credit funds in order to monitor the use of non-performing loans ratio remained at a healthy category so as to avoid the problem of bad loans

Mouthpart and digestive tract morphology of the synchronized firefly, Pteroptyx tener (coleoptera: lampyridae)

The firefly, Pteroptyx tener (Coleoptera: Lampyridae) lives in the mangrove area and is economically valuable for ecotourism because of its unique synchronous flashing behavior. It has been observed that the adult species does not have the appearance of sucking type mouthpart morphology though it is believed that its diet depends on the plant sap. This study focused on the morphology of the mouthpart and, anatomy and histology of the digestive tract of P. tener. From gross morphology observation, P. tener has hypognathus mouthpart with a crescent-like narrow apicle mandible. Scanning Transmission Electron Microscope (STEM) image showed that P. tener has a special food canal inside its mandible that runs from the tip to the end part of the mandible. The tip of the mandible could be used as piercing equipment for P. tener to suck plant sap for feeding purposes. Morphological investigations of the digestive tract showed that this species have a small crop, large ventriculus and long intestinal tract that is suitable for a liquid feeder insect. Histological sections show that the digestive tract consist of thick muscle layer especially on the hindgut and thin epithelial layer on all parts of the gut